You are viewing fixed rate ira rates across New Jersey

New Jersey IRA CD Rates

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

NJ - February 9, 2016

BANKS APY Term MIN MILES ?
Santander Bank, N.A. 2.20% 60 $500 -
Unity Bank 2.15% 60 $1,000 -
Spencer Savings Bank, SLA 2.15% 60 $500 -
NVE Bank 2.10% 55 $1,000 -
Gibraltar Bank 2.10% 58 $2,500 -
Highlands State Bank 2.07% 57 $1,000 -
National Penn Bank 2.00% 58 $500 -
Northfield Bank 2.00% 60 $2,500 -
BCB Community Bank 2.00% 42 $500 -
Unity Bank 1.90% 48 $1,000 -
Boiling Springs Savings Bank 1.85% 36 $1,000 -
Gibraltar Bank 1.80% 46 $2,500 -
Unity Bank 1.75% 45 $1,000 -
OceanFirst Bank 1.75% 45 $500 -
Banco Popular North America 1.75% 40 $500 -
National Penn Bank 1.65% 46 $500 -
Unity Bank 1.65% 36 $1,000 -
Santander Bank, N.A. 1.60% 36 $500 -
Lakeland Bank 1.60% 35 $500 -
Kearny Bank 1.50% 18 $500 -
Spencer Savings Bank, SLA 1.50% 18 $500 -
Unity Bank 1.50% 35 $1,000 -
OceanFirst Bank 1.50% 33 $500 -
Gibraltar Bank 1.50% 40 $2,500 -
Cornerstone Bank 1.50% 60 $500 -
Liberty Bell Bank 1.45% 36 $500 -
Unity Bank 1.40% 24 $1,000 -
National Penn Bank 1.40% 34 $500 -
Boiling Springs Savings Bank 1.35% 24 $1,000 -
Lakeland Bank 1.35% 23 $500 -
Firstrust Savings Bank 1.35% 60 $2,500 -
Metuchen Savings Bank 1.31% 48 $500 -
The Berkshire Bank 1.30% 36 $10,000 -
Columbia Bank 1.25% 36 $500 -
Unity Bank 1.25% 30 $1,000 -
Branch Banking and Trust Company 1.25% 25 $500 -
Oritani Bank 1.25% 16 $1,000 -
The Berkshire Bank 1.25% 18 $10,000 -
Northfield Bank 1.25% 36 $2,500 -
Gibraltar Bank 1.25% 25 $2,500 -
ConnectOne Bank 1.25% 13 $500 -
Atlantic Stewardship Bank 1.21% 30 $500 -
NVE Bank 1.20% 72 $1,000 -
Parke Bank 1.20% 13 $500 -
Crown Bank 1.20% 20 $2,500 -
Banco Popular North America 1.20% 19 $500 -
Columbia Bank 1.20% 20 $500 -
Northfield Bank 1.15% 18 $2,500 -
Cornerstone Bank 1.10% 13 $500 -
Fox Chase Bank 1.10% 30 $500 -
The Bank of Princeton 1.10% 12 $500 -
Oritani Bank 1.10% 9 $1,000 -
Lakeland Bank 1.10% 13 $500 -
Amalgamated Bank 1.10% 18 $500 -
Gibraltar Bank 1.10% 15 $2,500 -
Kearny Bank 1.10% 11 $500 -
First Commerce Bank 1.10% - $1,000 -
New Jersey Community Bank 1.05% - $1,000 -
TrustCo Bank 1.05% 13 $500 -
Highlands State Bank 1.05% 20 $1,000 -
Atlantic Stewardship Bank 1.01% 20 $500 -
Fulton Bank of New Jersey 1.01% 36 $500 -
Oritani Bank 1.00% 5 $1,000 -
Firstrust Savings Bank 1.00% 14 $2,500 -
Branch Banking and Trust Company 1.00% 18 $500 -
Columbia Bank 1.00% 12 $500 -
1st Colonial Community Bank 1.00% - $500 -
Manasquan Savings Bank 1.00% - $500 -
Somerset Savings Bank, SLA 1.00% 18 $500 -
Brunswick Bank and Trust Company 1.00% - $250 -
Unity Bank 1.00% 15 $1,000 -
Grand Bank, National Association 0.96% - $1,000 -
First Bank 0.95% - $500 -
Delanco Federal Savings Bank 0.90% 28 $1,000 -
Harvest Community Bank 0.85% - $500 -
Cornerstone Bank 0.85% 7 $500 -
ConnectOne Bank 0.85% - $500 -
Grand Bank, National Association 0.80% 12 $1,000 -
BBCN Bank 0.80% - $5,000 -
BNB Hana Bank, National Association 0.80% - $500 -
Amalgamated Bank 0.80% 7 $500 -
First Choice Bank 0.80% - $1,000 -
Banco Popular North America 0.75% 11 $500 -
Wilshire Bank 0.75% - $1 -
Grand Bank, National Association 0.75% 6 $100,000 -
Royal Bank America 0.75% - $1,000 -
Boiling Springs Savings Bank 0.75% 12 $1,000 -
Northfield Bank 0.75% 7 $2,500 -
Ponce De Leon Federal Bank 0.75% - $1,000 -
Armed Forces Bank, National Association 0.75% - $500 -
Amboy Bank 0.70% - $1,000 -
Indus American Bank 0.65% - $2,000 -
Delanco Federal Savings Bank 0.65% 18 $1,000 -
Firstrust Savings Bank 0.65% 35 $500 -
CTBC Bank Corp. (USA) 0.65% - $100 -
Customers Bank 0.60% - $500 -
Haddon Savings Bank 0.60% - $500 -
Valley National Bank 0.60% - $250 -
Parke Bank 0.60% - $500 -
Hanmi Bank 0.60% - $1,000 -
Liberty Bell Bank 0.55% - $500 -
Sun National Bank 0.55% 18 $500 -
Delanco Federal Savings Bank 0.55% 13 $1,000 -
The Bank of Princeton 0.55% - $500 -
Alma Bank 0.55% - $2,500 -
Cathay Bank 0.50% - $100 -
Northfield Bank 0.50% - $500 -
Beneficial Bank 0.50% - $500 -
Oritani Bank 0.50% - $1,000 -
Firstrust Savings Bank 0.50% 23 $500 -
Freehold Savings Bank 0.50% - $500 -
1st Constitution Bank 0.50% - $1,000 -
Highlands State Bank 0.50% - $1,000 -
Manufacturers and Traders Trust Company 0.50% - $500 -
The Berkshire Bank 0.50% - $1,000 -
Audubon Savings Bank 0.50% - $1,000 -
Republic Bank 0.50% - $500 -
Spencer Savings Bank, SLA 0.50% - $500 -
Boiling Springs Savings Bank 0.50% - $1,000 -
Wells Fargo Bank, National Association 0.50% 58 $2,500 -
Crown Bank 0.50% - $1,000 -
BCB Community Bank 0.45% - $250 -
Kearny Bank 0.45% - $500 -
Unity Bank 0.40% - $500 -
Magyar Bank 0.40% - $100 -
New York Community Bank 0.40% - $500 -
Monroe Savings Bank 0.40% - $500 -
Sun National Bank 0.40% 8 $500 -
Capital Bank of New Jersey 0.40% - $500 -
Delanco Federal Savings Bank 0.40% - $1,000 -
Columbia Bank 0.40% - $500 -
Amalgamated Bank 0.40% - $500 -
Franklin Bank 0.40% - $1,000 -
Sun National Bank 0.35% - $500 -
Ocean City Home Bank 0.35% - $500 -
Metuchen Savings Bank 0.35% - $500 -
National Penn Bank 0.35% - $500 -
Fulton Bank of New Jersey 0.30% - $500 -
Millville Savings and Loan Association 0.30% - $1,000 -
The First National Bank of Elmer 0.30% - $100 -
NVE Bank 0.30% - $500 -
Cape Bank 0.30% - $1,000 -
Newfield National Bank 0.30% - $500 -
Wells Fargo Bank, National Association 0.30% 39 $2,500 -
Century Savings Bank 0.30% - $500 -
City National Bank of New Jersey 0.25% - $500 -
TD Bank, National Association 0.25% - $250 -
Atlantic Stewardship Bank 0.25% - $500 -
First Hope Bank, A National Banking Association 0.25% 7 $500 -
Investors Bank 0.25% - $500 -
Firstrust Savings Bank 0.25% 9 $500 -
SussexBank 0.25% - $1,000 -
OceanFirst Bank 0.25% - $500 -
First Hope Bank, A National Banking Association 0.22% - $500 -
Lakeland Bank 0.22% 9 $500 -
Fox Chase Bank 0.20% - $500 -
Branch Banking and Trust Company 0.20% - $500 -
Northfield Bank 0.20% - $2,500 -
Wells Fargo Bank, National Association 0.20% 26 $2,500 -
Lakeland Bank 0.17% - $500 -
Wells Fargo Bank, National Association 0.16% 24 $1 -
Capital One, National Association 0.15% - $1,000 -
The Pennsville National Bank 0.15% - $500 -
National Penn Bank 0.15% 5 $500 -
The First National Bank of Absecon 0.15% - $1,000 -
Banco Popular North America 0.15% - $1 -
Cornerstone Bank 0.15% - $500 -
PNC Bank, National Association 0.15% - $1,000 -
Santander Bank, N.A. 0.10% - $500 -
Firstrust Savings Bank 0.10% - $1,000 -
Somerset Savings Bank, SLA 0.10% - $500 -
The Provident Bank 0.10% - $500 -
Wells Fargo Bank, National Association 0.10% 9 $2,500 -
Bank of America, National Association 0.07% 12 $2,000 -
Bank of America, National Association 0.05% - $1 -
Wells Fargo Bank, National Association 0.05% - $1 -
TrustCo Bank 0.05% - $500 -
Bank of America, National Association 0.04% 9 $2,000 -
PNC Bank, National Association 0.04% - $1 -
Citizens Bank of Pennsylvania 0.03% - $250 -
JPMorgan Chase Bank, National Association 0.01% - $1 -


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Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

 · 

Money grows in a tax-advantaged way.

 · 

Funds are FDIC insured, just like a regular CD.

 · 

Interest rates on FIRAs are often higher than the same terms for a CD.

 · 

Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

 · 

Returns may not be as high as stocks, bonds, mutual funds.

 · 

Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).

 · 

If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

  • Carolyn Hornyak

    January 18, 2016

    I saw in the Phoenix, Arizona an ad for Sun Cities Financial Group advertising a high yield CD special for 4.40%? Is this legitimate?

    Carolyn

  • JOHN

    January 14, 2016

    MORE USELESS INFO. NO LENGHT OF TERM LISTED. ONLY USEFULL INFO IS NAME OF INSTITUTION SO I CAN PHONE THEM.

  • Chotzey

    December 30, 2015

    To lock in @ 5 years may be risky. When watching MSNBC the other day they were saying rates are to be gradually going up. May be a gamble, but everything is.

  • Ray P

    December 30, 2015

    None of the rates shown can be found at any of the banks. The actual bank rates are almost half of what is shown here.

  • Lori Martin

    January 09, 2015

    Jack:

    ??? Looked up rates at PenFed (we're a member) and they show a 5 yr at 1.76%. The last time it was 3.0 and over (3.04) was in Dec. 2013 (for the 5 & 7 year).

  • Jack Mazer

    January 27, 2014

    Penfed offers a 60 month cd at 3 percent.

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